Overview

More than ever, in this new millennium, time is money. Our electronic banking services provide shortcuts to help you save time. Your account is accessible, 24 hours a day, 7 days a week to allow you to bank on your schedule. We are continuing to expand this area of service to accommodate your ever-changing needs.

Online Banking

With Community Bank of the South's Online Banking, you can bank with us anywhere, anytime you are online!! Use Online Banking to view your balances and transaction histories, transfer funds between accounts, download your financial information to popular software, correspond with us via e-mail and much more!

CBS's Online Banking is available to our valued customers free of charge to provide the convenience your busy lifestyle requires.
In addition, we offer optional Bill-Pay and Check Images at no costs.

We invite you to try our Online Banking service by simply viewing our Demo.

If you would like to enroll, please complete the online enrollment form or stop by any of our locations to inquire. Should you have any trouble with your enrollment process, please contact our technical support department by email at online@cbsouth.com or 678-781-9043. If you are a returning customer, please let us know what you think by clicking "Contact Us" so that we might further improve our service to you.

Telebank
This service provides the convenience of information at your fingertips 24 hours a day. By using a touch-tone telephone, you can access our voice response system to obtain information and conduct transactions on your account.

1-800-834-2842

Online Bill-Pay

Click here for access to our Bill-Pay application and agreement. Print, complete and mail, fax or walk-in to your nearest branch.
Say goodbye to the traditional way of paying bills. No check writing, no stamps, no trips to the post office. Just set up your payees, then point and click.
• Compatible with various software
• Based on credit approval
VISA® Check Card

ATM access and ease of purchases are yours with the CBS VISA® check card.
• Can be used anywhere Visa® is accepted
• Purchases are automatically deducted directly from your checking account
• Can also be used as an ATM card

Credit Cards

Make all your purchases simple and easy with our MasterCard® credit cards with competitive rates.

Deposit@Work utilizes a desktop scanner (pictured right) that connects to your PC and the Internet. With it, you can scan checks received from customers and issue deposits electronically to the bank, anytime day or night. It's the quickest way to turn check deposits into cash.

Consolidate funds from remote locations into one bank

Check deposits can easily be made from any remote office or storefront. This streamlines your cash flow by consolidating deposits from multiple locations into a single bank.Make Deposits anytime

Enjoy the convenience of making deposits electronically 24-hours a day, 7 days a week, even weekends.

Save time preparing deposits

Preparing deposits electronically is very efficient, reducing labor costs and freeing up staff for other tasks. Extended deadline for same day deposits

Cut courier fees or trips to the bank

Electronic deposits can reduce trips to the bank or eliminate courier fees. Save valuable employee time and travel expense.

Deposit@Work is easy to set up and use. All you need are the following items:
• PC with current version of Microsoft® Vista, 7, or 8 and a USB 2.0 or 3.0 port
• Approved desktop check scanner and software
• Internet connection.
• Account with Community Bank of the South
Can't get to the bank before closing time? With Deposit@Work, you can make deposits until 6:00 p.m. EST.
For complete information on Deposit@Work, including scheduling an in-office demonstration, call 770.436.4567.Click here for the full brochure on Deposit@Work.

Please see a Community Bank of the South Customer Service Representative for all products and services.

Online Q&A

HOW DO I USE ONLINE BANKING?
There is an Online Help tab once you are logged on that offers documentation or you can call your Community Bank of the South customer service representative at 770-436-4567. Please visit the following url to view our Online Banking Demo.

IS THERE A CHARGE FOR USING ONLINE BANKING?
No, there are no monthly fees for viewing accounts or transferring funds between accounts. However we do offer additional online services that may require a fee. For example, Stop Payments, Check Images, and Bill Payment.

WHAT IS MY ACCESS ID?
For first time log on users, your ACCESS ID is an account number for Which you are a signer at Community Bank of the South. (This account number should be an account you consider your primary account not a Certificate of Deposit or a Loan).
For repeat users, your ACCESS ID is whatever you chose the first time you logged on.

If ACCESS ID has been forgotten please call online customer service at 678-781-9043.

ACCESS ID must be at least 6 characters.

WHAT IS MY PASSWORD THE FIRST TIME I LOG ON TO ONLINE BANKING?
The last four digits of your social security number.
If you are a Telephone Banking user, and you have previously changed your pin access on Telephone Banking, your logon for Online Banking will be the same as Telephone Banking. Please note the first time you log on to Online Banking, it will prompt you to change your password. This will NOT change your password for Telephone Banking.

HOW LONG DOES MY PASSWORD NEED TO BE?
The password must be a minimum of 8 characters including 1 number and 1 letter.

I FORGOT MY ONLINE PASSWORD, WHAT DO I DO?
Call Community Bank of the South's online banking hotline 678-781-9043.

IS THE WEB SITE FOR ONLINE BANKING SECURE?
Yes, By convention web sites that require a secure connection start with https: instead of http:
Anytime encryption is being used for a secure site, you will see a padlock on the bottom of the screen.
A security alert will pop up when trying to log on. Please visit our Security disclosure for more information.

WHEN I PLACE A STOP PAYMENT IS IT REAL TIME?
Yes, if the Stop payment is placed before 4:00PM, it will be effective immediately. If placed after 4:00PM it is considered the next business day.

Please note you cannot place a stop payment on an Electronic item (ex. ACH/POS).
The fee for a Stop Payment is disclosed in the Terms and Conditions

HOW DO I VIEW IMAGES OF MY CHECKS?
Check images can be viewed on all transactions except current day. To view a check image click on the Transactions button. Then from the "Check Number" Column select the check image you want to view and click it. This will display the front of the check. To view the back of the check simply click the "View Back of Check" button.

WHAT DO I DO IF I THINK MY VENDOR HAS NOT BEEN PAID?
Call or E-Mail the Online Banking Department at Community Bank of the South at 678-781-9043 or online@cbsouth.com, and we will research the item immediately.

HOW LONG DOES IT TAKE FOR A VENDOR TO RECEIVE MY PAYMENT?
5-7 Business days after initiating the transaction.
(refer to Online Help for more details)

WHAT TYPES OF BILLS CAN I PAY ONLINE?
You can pay any merchant or individual with the following exceptions: